No need to make monthly payments
Use the money to help your family buy their first home
Still have some mortgage outstanding? No problems
It could be used to help with tax planning
4.67% APR Fixed
No broker fees are added on
Properties which are made up of multiple titles are acceptable

If you don’t want a lifetime mortgage or equity release, and want a standard mortgage at 4.78% regardless of your age please Click Here

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Not interested in equity release? Do you just want a conventional mortgage at 4.78% regardless of your age please Click Here

How much is it common to be released from a home, even with bad credit

The more elderly you are and the sicker you are, the more cash you can release.

Home Equity Loan Newbury Building Society Mortgages for 2026

Pure Retirement Ltd joint lifetime mortgage

Does the Bank of Ireland do mortgages up to 85?

Yes, Bank of Ireland offers mortgages up to 85 at 4.41% MER, with an LTV of 65%.

Does the Bank of Ireland offer later-life lending to those under 55?

Yes, Bank of Ireland later-life lending under 55 is 4.69% APRC.

Do the Bank of Ireland do mortgages over 70?

Yes, Bank of Ireland mortgages over 70 are 4.69% APRC.

Does Bank of Ireland offer mortgages over 75?

Yes, Bank of Ireland mortgages over 75 are 4.72% APRC.

Does the Bank of Ireland offer later-life lending?

Yes, Bank of Ireland’s later-life lending is 4.59% APRC.

What are the current Bank of Ireland interest rates for retirement mortgages?

Bank of Ireland interest rates for retirement mortgages are 1.84.08% APRC.

Does Bank of Ireland have excellent reviews for pensioner mortgages?

Yes, Bank of Ireland reviews are tiptop for pensioner mortgages.

Does the Bank of Ireland Rio mortgage calculator show the LTV?

Yes, the Bank of Ireland RIO mortgage calculator shows an excellent LTV of 70%.

Does a Bank of Ireland retirement interest-only mortgage advisor charge a substantial fee?

No, Bank of Ireland retirement interest-only mortgage advisors are free.

Do the Bank of Ireland offer mortgages over 60?

Yes, Bank of Ireland mortgages over 60 are 4.51% APRC.

Do the Bank of Ireland offer mortgages over 55?

Yes, Bank of Ireland mortgages for over 55s are at 4.91% APR.

Canada LIfe - Interest Select Gold Flexi

Disadvantages of Lifetime Mortgages

Home reversion plans can reduce the value of your estate. Interest-only lifetime mortgages may affect eligibility for state benefits. You may need to pay a solicitor’s fee, and you could be exposed to changes in interest rates with some products.

It is very common to find people seeking out home reversion plans, lump sum lifetime mortgages, or lifetime mortgages with flexible drawdown cash releases. However, Age Partnerships, like AIG Life, are keen to see paperwork that shows your personal situation, such as investment statements.

Equity Release LTV Percentages

55% lumpsum lifetime mortgages, Maximum cover, Equity Release
40% loan-to-value lifetime mortgage with flexible drawdown cash release Blemain

Areas in the UK where retirement mortgages are popular

Chagford
Glossop
Workington
Beccles
Goole
Okehampton
Leyland

Aviva Lifetime Mortgages

Difficult-to-finance property types can include properties in the course of construction or pre-construction, properties where tenants live in a self-contained part of the property, feuhold/freehold properties (including flats) in Scotland, commonhold properties and properties owned under any form of shared equity scheme.

Some of the most common retirement finance offerings are Lloyds mortgages for 60-plus, Barclays mortgages for 60-plus pensioners, NatWest over-60 lifetime mortgages, Legal and General interest-only mortgages for over-70s, and Nationwide Building Society mortgages for over-65s.

Difficult-to-finance home types include Timber-framed properties constructed post-1965, properties with any external treatment applied to the roof after construction, large concrete panel systems, privately developed flats in blocks of two storeys without a lift and properties where the flat is accessed via a deck or balcony.

Does Bank of Ireland UK offer mortgages up to 85?

Yes, Bank of Ireland UK does mortgages up to 85 at 2.25% MER. Bank of Ireland UK mortgages up to 85 can have a loan-to-value (ltv) of 60%.

Do the Bank of Ireland UK do later-life lending to those under 55?

Yes, Bank of Ireland UK’s later-life lending under 55 has a 4.74% MER.

Does Bank of Ireland UK offer mortgages over 70?

Yes, Bank of Ireland UK mortgages over 70 are 4.49% APR.

Does Bank of Ireland UK do mortgages over 75?

Yes, Bank of Ireland UK mortgages over 75 are 4.69% APR.

Does Bank of Ireland UK do later-life lending?

Yes, Bank of Ireland UK’s later-life lending is 4.81% APR.

What are Bank of Ireland UK’s interest rates for retirement mortgages?

Bank of Ireland UK interest rates for retirement mortgages are 4.65% MER.

Does the Bank of Ireland UK have excellent reviews for pensioner mortgages?

Yes, Bank of Ireland UK reviews are tip-top for pensioner mortgages.

Does the Bank of Ireland UK rio mortgage calculator show the loan-to-value?

Yes, the Bank of Ireland UK RIO mortgage calculator shows an excellent loan-to-value of 60%.

Does a Bank of Ireland UK retirement interest-only mortgage advisor charge a big fee?

No, Bank of Ireland UK retirement interest-only mortgage advisors are free.

Does Bank of Ireland UK offer mortgages over 60?

Yes, Bank of Ireland UK mortgages over 60 are 4.53% MER.

Does Bank of Ireland UK offer mortgages over 55?

Yes, Bank of Ireland UK mortgages over 55 are 4.84% APRC.

Popular loan-to-value percentage ratios of Lloyds retirement mortgages over 70, Barclays Bank mortgages for over 65, NatWest interest-only mortgages for over 60s near London, Legal and General retirement mortgages over 60, Bank of Scotland mortgages over 70s and Nationwide BS lifetime mortgages for over 55s are 50%, 60% and 65%.

Challenging to finance property titles include properties built or converted into dwellings more than 10 years ago, properties with a large number/scale of outbuildings, properties without direct access to an adopted highway or which are accessed over an unmade road, properties that have solar farms or a large number of wind turbines on the land and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, sub stations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

Challenging to finance home variants include properties built on contaminated land, ground rent where the lease or any deed varying the lease provides for a ground rent exceeding, or where the escalating provisions would result in the ground rent exceeding £250 per annum (or £1000 per annum where the property is in Greater London), properties of non-standard construction, cob property and Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit and Parkinson Frame.

How much money can I borrow?

You can get 60% of your home’s valuation. For example, if your home is worth £210,000, you can get £136,000.

Hodge Lifetime

Hodge Lifetime Flexible Voluntary Repayment Plan
L&G Legal & General Premier Flexible Lifetime Mortgage
More2Life Capital Choice Plan
Aviva Lifetime Mortgages
Canada Life Interest Select Gold Flexi
Pure Retirement Equity Release
Nationwide Interest-Only Lifetime Mortgage
Saga Equity Release Schemes
Age Partnership Equity Release Plans
Age Partnership Equity Release Schemes
HSBC Equity Release Schemes

Equity Release UK Providers

Key Solutions
LV lifetime mortgage
Age Concern

Interest Only Lifetime Mortgages Aldermore Bank in 2026

Remortgage Ipswich Building Society Mortgages in 2026

Retired small business owners who may be interested in lifetime mortgages

Primary education in Carnforth
Publishing of computer games Yate
Other specialised construction activities n e c St Ives
Manufacture of ovens, furnaces and furnace burners, Burnham-on-Sea
Wholesale of textiles Haslemere
Manufacture of ceramic tiles and flags Mildenhall
Packaging activities Wivenhoe
Manufacture of knitted and crocheted hosiery Rochford
Financial leasing Stockton-on-Tees
General medical practice activities Earley
Construction of bridges and tunnels Bradford-on-Avon
Manufacture of other machine tools Fordwich
Other retail sale of new goods in specialised stores not commercial art galleries and opticians Alsager
Other mining and quarrying n e c Orford
Freshwater fishing Hungerford
Other service activities incidental to land transportation, n e c Crewe
Manufacture of women’s underwear Melksham
Plumbing, heat and air-conditioning installation Bottesford
Construction of roads and motorways Loddon
Activities of distribution holding companies Stanley
Other letting and operating of own or leased real estate Tidworth
Wholesale of other intermediate products Penzance
Construction of railways and underground railways Stevenage
Business and domestic software development Falmouth
Risk and damage evaluation Oswestry

The lender will want to know if the property is a semi-detached freehold house or a Leasehold flat, and if the resident is an AST Tenant.

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